The eBook Cyber Insurance: Heads They Win, Tails They Win, Too? examines how insurers limit payouts and how companies can ensure fair coverage. It explains that rising ransomware costs have led insurers to tighten underwriting and expand exclusions, such as “acts of war.” Legal cases like Merck’s highlight the need to review policy language carefully. The guide warns that insurers may rescind policies for misreported security controls like MFA and stresses collaboration, automation, and strong cyber hygiene to reduce risk. It advises building cross-functional risk teams, understanding exclusions, and maintaining transparency to avoid denied claims and legal disputes.

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